Insurance

Our solutions support the transformation of insurers, mutual insurers, bancassurers, brokers and distributors. Designed to address the challenges of all markets—life, health, protection, motor, home and savings—they deliver robust expertise and provide genuine strategic decision-making support.

Explore our market reports

The industryOur solutionsUse casePublications

The insurance sector is undergoing rapid reshaping, driven by technological disruption, evolving regulation and rising claims frequency linked to climate change:

Policies are becoming increasingly digital, customer journeys are more seamless, and data is emerging as the engine of more responsive and predictive risk management.
Artificial intelligence is accelerating claims automation. Open insurance and platform-based models are redefining distribution.
At the same time, the pursuit of efficiency and the sustainability of premium increases are forcing a reassessment of technical balances.

Beyond operational adjustments, it is the very sustainability of the insurance model that is at stake.

€300bn

of insurance contributions collected

€6bn

per year in climate-related insurance losses

28%

of insurance contracts in France are purchased online

€2bn

in cumulative funding secured by French insurtechs in the last 10 years

From the Expert

Actuaries discussing an insurance contract

« By automating claims assessment and management through robotic process automation and artificial intelligence solutions, insurers can enhance their operational efficiency. »

Sabine Gräfe

Insurance Sector Expert, Xerfi

Professionals engaged in discussion, reflecting the dynamism of the insurance industry

Our solutions for the insurance industry

Drawing on its recognised expertise in the economy and markets, Xerfi offers a comprehensive range of analysis and advisory solutions. From flagship reports to bespoke analyses, from Call Expert to videos and conferences led by our consultants, we support private and public organisations alike in turning analysis into action.

Analysis of risks and sectoral transformation drivers

To anticipate the impact of regulatory developments (IDD, SFDR, FIDA, etc.) and climate-related claims on insurers’ technical and financial balances.

Economic, social and impact reports

To highlight insurers’ contribution to the real economy, employment and the ecological transition, within a framework of responsible insurance and ESG alignment.

Customized barometers and management indicators

To monitor the transformation of distribution networks (agencies, brokers, bancassurance, digital), measure commercial performance and policyholder satisfaction, and steer your marketing and strategic decisions using tailored KPIs.

Forecasts and forward-looking scenarios

To anticipate market developments and decode emerging trends in the insurance industry—open insurance, artificial intelligence, embedded insurance, new entrants—identify growth opportunities and prioritize investments in the most promising segments.

Analysis of business models and their sustainability

To assess the robustness of a model, identify its performance and risk drivers, anticipate structural shifts, and ensure the long-term economic viability of the business.

A home fitted with solar panels, viewed by a family - illustrating the insurance sector

Use case

Embedding ESG criteria into the investment strategies and product portfolio of a leading insurer

Detailed challenge

A leading insurance group needed to rethink its investment strategy and product offering in response to the growing prominence of ESG criteria. Between regulatory compliance (SFDR, CSRD, EU Taxonomy) and heightened expectations from clients and investors, the challenge was to embed these criteria sustainably into portfolio management and product design.
In this context, the approach aimed to understand how ESG considerations are now reshaping strategy, performance and competitiveness across the sector, and to identify the levers capable of turning a regulatory constraint into a genuine driver of competitiveness and value creation.

Objectives

Understand how ESG considerations are reshaping strategy, governance and value creation in the insurance industry.
Assess their economic and competitive impacts
Identify the adaptation levers required to strengthen the sector’s long-term sustainable performance.

Solutions

Forward-looking analyses of regulatory frameworks and their impact on business models and competitiveness.
Impact assessments to measure the sector’s contribution to the ecological transition.
Double materiality analyses to prioritize the most significant ESG issues and inform strategic decision-making.